Reap the benefits of a U.S. Bank Smart Refinance.

Enjoy a convenient experience.

The application process for a U.S. Bank Smart Refinance is fast and easy. Get started online or get personalized attention over the phone or in any branch. Your loan closing will be held at a U.S. Bank branch near you.

Save money.

Lock in competitive interest rates with 5, 10, 15 and 20-year terms. In addition, there are no out-of-pocket costs, including:

  • No closing costs
  • No origination fees
  • No prepayment penalties
  • No application processing fees

Get cash out.

Easily tap into the equity you’ve built in your home by getting cash out at closing. Then use your money for home improvement projects, major purchases, debt consolidation or other needs.

Find answers to your questions.

Deciding how and whether to leverage your home equity doesn’t need to be confusing. Check out the answers to these most frequently asked questions. You can also compare your options or get a home equity recommendation. Still not sure what’s best for you? Call us at 866-829-2347. We’re here to help.